Refused a loan

Refused a loan

Ann Johansson / Los Angeles Times

Scott Yoon Suk Whang, left, says his Orange Circle Studio in Irvine was denied a start-up loan because he wouldn't personally guarantee it. With him are Marketing Director Cathy Hull and Daniel Whang, vice president of business development.

Scott Yoon Suk Whang, left, says his Orange Circle Studio in Irvine was denied a start-up loan because he wouldn't personally guarantee it. With him are Marketing Director Cathy Hull and Daniel Whang, vice president of business development.Ann Johansson / Los Angeles Times